Before subsidies, the benchmark silver plan for a 40-year-old in Denton County cost about $692 a month for 2026, and the Texas average for 2027 is $737 a month. Premium tax credits bring that down for many households, depending on income and family size. 7 insurers offered marketplace plans in Denton County for 2026. The rest of this page covers your coverage options in Paloma Creek South, the best-reviewed local agencies and the deadlines that matter.
Top-rated health insurance agencies near Paloma Creek South
Licensed agents can compare plans available in Denton County, check your doctors and estimate your premium tax credit. Free to you.
Call 866-645-8540Health insurance at a glance: Paloma Creek South, TX
| Where to enroll | HealthCare.gov |
|---|---|
| Average benchmark silver, age 40 (2027) | $737/mo before subsidies |
| Denton County benchmark (2026) | $692/mo |
| Plans offered in Denton County (2026) | 117 |
| Plan types | HMO, EPO, POS |
| Marketplace insurers in Texas (2027) | 14 |
| Medicaid expansion | No |
| Short-term plans | Sold (not ACA-compliant) |
Sources: CMS plan data, KFF, state marketplace and insurance department pages.
How to get ready
- Have a realistic estimate of next year's household income; subsidies are based on it.
- Write down the enrollment deadline and confirm your first premium payment.
- Make a list of your doctors, hospitals and prescriptions before you call anyone.
- Compare total yearly cost (premiums plus deductible), not just the monthly premium.
Free enrollment help in Texas
HealthCare.gov Marketplace assisters: CMS-funded Navigator organizations plus Certified Application Counselors, who give free, impartial help applying and enrolling; consumers search for nearby help with the HealthCare.gov Find Local Help tool. You can search for in-person help on the official find-help page. If you'd rather have someone compare plans and recommend one, a licensed agent can do that at no cost to you.
Frequently asked questions
Can I get coverage outside open enrollment?
Only with a qualifying life event, unless you qualify for Texas Medicaid. Some people also look at short-term or fixed-indemnity plans, which are not ACA-compliant coverage.
Where can I buy health insurance in Paloma Creek South?
Through the HealthCare.gov, directly from an insurer, or with a licensed agent or broker who can do either.
How much is health insurance in Paloma Creek South?
Before subsidies, the benchmark silver plan for a 40-year-old in Denton County cost about $692 a month for 2026, and the Texas average for 2027 is $737 a month. Premium tax credits bring that down for many households, depending on income and family size. 7 insurers offered marketplace plans in Denton County for 2026. A licensed agent can quote your exact price.
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